Elinye lamaphupho amahle bonke abantu abasha abafuna ukuwafeza ngokushesha okukhulu yi ukuthenga indlu. Ukuthola ukuzimela komndeni okulindelwe isikhathi eside, ukusuka efulethini elincane eliqashiwe uye endaweni engeyethu, noma ukuqala impilo njengendoda nomkayo, ukuze abasanda kushada baqale umndeni, ukuthenga indlu bekulokhu izinhloso zokuqala nezisisekelo empilweni yanoma yimuphi umuntu.
Vele uqale ubheke ifayela le- ofuna google ukuze sithole zonke izinhlobo zezinketho kunetha, kusuka ezindlini ezinethezekile zabantu abangashadile, kuya emakhaya amahle asenza sicabange ukuthi ukuqala umndeni yisinyathelo esikhulu esilandelayo okufanele sisithathe lapho sesivuthiwe.
Kodwa-ke, ngemuva kwesikhashana sibhidliza inetha, imibono yethu iyawa ngokushesha, bese ngokungazelelwe iqiniso lisifikela njengebhakede lamanzi abandayo. Kungaleso sikhathi-ke lapho sikuqonda khona lokho amanani entengo, noma ngabe zincane kangakanani lezi, ziphakanyisiwe ngophahla ezikhathini zamanje, ikakhulukazi kulabo bantu abasha abaqala ukuthatha izinyathelo zabo zokuqala zobungcweti futhi abangenayo iholo elisekela nokuthi kungenzeka kube nomnyango onesizotha, special lapho usanda ukudala i- umlando wesikweletu, ngakho-ke, imali mboleko enkulu ayinikezwa ngamabhange esivumela ukuthi siqinisekise ukuthi ukuthengwa kwempahla.
Ngokufanayo, hhayi kuphela abantu abasha okufanele babhekane nesimo esinzima esikhona amanani ezindlu, njengoba le nkinga ivame ukwenzeka kuzo zonke izinhlobo zabantu ezingxenyeni ezahlukene zezwe. Okubi kakhulu ngayo ukuthi izinto ziba nzima kakhulu lapho umuntu ezama ukuthola ikhaya elisezikhungweni ezinkulu zezezimali, okuyilapho iningi lemisebenzi likhona, okwenza izindleko esezivele ziphakeme kakhulu zezakhiwo.
Ungayiqinisekisa kanjani indlu yamaphupho akho?
Ngenxa yalokho, kungokwemvelo ukuthi ngenxa yalokho abantu abaningi bakhetha i- Isixazululo okuningi ngokuhambisana nokuxazululwa kwezezimali kwabasebenzi kanye nesigaba esiphakathi, okukurenta kwezindlu noma amafulethi. Kungenzeka ukuthi kwabaningana lokhu bekungeke kube yindlela yokuqala kepha kuyiyona esivumela ukuthi sakhe impilo ezimele ngokushesha okukhulu futhi kalula.
Kubalulekile ukuthi sisho ukuthi lesi sixazululo singaba yindlela enhle yokuhlehlisa ukuthengwa kwekhaya, okungenani ngenkathi umuntu engahlala phansi emsebenzini wakhe futhi akhiqize imali engenayo, nokuqala ngokulondolozwa okusivumela ukuthi sisondele lokho kancane kancane. umgomo wawumlangazelela kakhulu Ukuthuthuka komuntu siqu. Lapho sesinayo i- imithombo yezimali eyanele singabuyela emuva ekusesheni inetha nasezikhangisweni zendlu noma ifulethi lamaphupho ethu.
Kuleli qophelo lapho kuvela khona okunye ukuphazamiseka okukhulu, lapho kunezikhathi eziningi eqinisweni lokuthi asikwazi ukuqoqa inani eliphelele lemali inani lempahla, futhi noma sifuna ukuvumelana ngokuthengiselana nomthengisi, umane wenqaba futhi aqhubeke nokunikela ngokudayisa indlu yamaphupho ethu, noma mhlawumbe wamukela okwamanje isipho sethu sokukhokha ingxenye nokunye okusele kokukhokha, kodwa-ke kuphele phezulu ebeka phansi emuva lapho ethola abanye abathengi.
Ukugwema lezi zimo ezimbi singaphendukela embhalweni odumile owaziwa ngokuthi "Inkontileka yemali ehola phambili", esebenza ngokuyisisekelo ukuze sikwazi ukuthola indlu yamaphupho ethu iqinisekisa ukuthi ibekelwe thina, nesiqinisekiso esisemthethweni phakathi, ukuthi ngeke inikezwe omunye umuntu ngenkathi siqoqa imali yenani lempahla noma yenza izinkokhelo ezihambisanayo ngesikhathi nangendlela.
Siyini isivumelwano se-Arras?
Ngamazwi alula, inkontileka yediphozithi ithathwa njengephambili, kepha ngokwesisekelo somthetho, okusho ukuthi iyi- inkontileka yangasese lapho amaqembu womabili ayisayinayo avumelana nokubhukha kusengaphambili ekuthengisweni kwezimpahla noma kwezezakhiwo, kunikezwa ngokushintshana, nokunikeza imvume esemthethweni kwidokhumenti, inani elithile lemali elisebenza njengesiginali, okungukuthi, ukuthengwa kwangaphambi kwenkontileka kusungulwa ngalo ukuthengwa okulandelayo wempahla kungekudala.
Ngamafuphi, a Inkontileka yokufaka imali ngumbhalo ongethembela kuwo ukuze ukwazi ukubeka eceleni, ngokuphepha, ikhaya noma okunye okuhle, ukuze ukwazi ukuqoqa inani lenani laso ngesikhathi esithile futhi kamuva usayine idokhumenti yokuthenga kanjalo.
Konke lokhu ngaphandle kokwesaba ukuthi ngesikhathi okuthatha ngaso ukuqoqa imali edingekayo, umthengisi wephula izwi lakhe futhi ekugcineni agcine ngokuthengisa leyo nto komunye umuntu, ngoba yilelo nani okhokha ngalo njengesivumelwano sangaphambi kwenkontileka noma idiphozi yenzelwe, ukuze impahla oyibekele eceleni igcinwe ngesivumelwano sezomthetho esisemthethweni hhayi nje isivumelwano segama.
Este uhlobo lwenkontileka Kuzuzisa ngokulinganayo izinhlangothi zombili, ngoba uma elinye lazo lephula isivumelwano, kuzofanele babhekane nezinhlawulo ezithile ezihunyushelwe ekulahlekelweni komnotho.
Isibonelo, Uma umthengisi engahambisani nesivumelwano esisunguliwe, ngenxa yesivumelwano sediphozi esenziwe phambilini, kuzofanele akhokhe njengenhlawulo, aphindaphinde inani elilethwe ngumthengi lapho esungula inkontileka yangaphambi kwesikhathi lapho impahla ibibekelwe khona, okulahlekile kakhulu kwezomnotho.
Kepha uma ngakolunye uhlangothi, Umthengi nguyena ongahambisani nesivumelwano esisunguliwe futhi anqume ukungaphothule ukuthengiswa kwempahla, lapho-ke kuzofanele ajwayele umqondo wokulahlekelwa, ingxenye noma ngokuphelele, imali ayinikeze njengemali engaphambili ukubeka eceleni impahla. Njengoba ukwazi ukubona, inkontileka yediphozi iyindlela enhle kakhulu yezomthetho okungafanele yehluleke lapho uhlose ukusesha noma ukuthola impahla.
Ngingaqiniseka kanjani ngokomthetho ngenkontileka ka-Arras?
Noma inkontileka yediphozi ayichazwanga ngqo kwi-Civil Code yaseSpain, uma kukhulunywa ngalokhu lapho kulawulwa imiphumela esemthethweni etholakala ngemuva kokusayina eyodwa. Isethenjwa singatholakala ku-athikili 1545 ye-Civil Code, esungula okulandelayo:
"Ukube babelamule idiphozi noma isignali esivumelwaneni sokuthenga nokuthengisa, inkontileka ingahoxiswa, umthengi avume ukuyilahla, noma umthengisi ayibuyise eyimpinda".
Umlayezo ulula kakhulu futhi ngokuyisisekelo ubeka lokho okwashiwo phambilini, ukuthi noma ngubani ofisa ukwephula isivumelwano sakhe sediphozi angakwenza lokho, kepha ngaphansi kombandela wokunikeza isinxephezelo ngokwephula isivumelwano, esiqukethe ukulahlekelwa kwemali ekhokhwe kusengaphambili yomthengi noma imbuyiselo yenani eliphindwe kabili lemali lokho kwanikezwa ngaphambili, ngumthengisi. Vele ukuthi ngubani othola isijeziso ekugcineni kuzoncika kunoma ngubani owephula isivumelwano kwasekuqaleni.
Ngalezi zenzo, inhloso yokugcina yesivumelwano iyavikelwa, okuyi qinisekisa futhi ulondoloze ukusebenza kokugcina kokuthengisa, ukuze kungabikho noyedwa kumaqembu axoxisanayo ongathembi phakathi nenqubo yonke.
Izinhlobo Zenkontileka ka-Arras
Njengeminye imibhalo, isivumelwano sediphozi Futhi inokuguquguquka okuthile okukuvumela ukuthi kusetshenziselwe izinhloso ezahlukahlukene, ezingahlukahluka ezibonelweni ezilandelayo:
Ukuqinisekisa:
Le nhlobonhlobo isebenza ukuqinisekisa ukuthi ufuna ukwenza ukuthengiswa kwempahla kube semthethweni yini, ngakho-ke uma kukhona abathintekayo abangahambisani nesivumelwano, ngalo mbhalo, ukuhambisana okuphoqelelwe kwesivumelwano kungadingeka ngokomthetho, okwenza kube ngumthetho isibopho sokugwema ukukhokhwa kwesinxephezelo esihambisana nomonakalo odalekile.
Ukujeziswa
Le nketho ukumisa ngokusemthethweni inani umthengi azolahlekelwa noma okufanele alibuyise, kabili, umthengisi uma kwenzeka ukuthengwa okuyimpumelelo kungaqediwe ngenxa yokungathobeli komunye wababonisi ababili.
Amaphenalthi:
Yilapho isigatshana sesijeziso sikhona, esisebenza ukubiza inani elinqunyiwe uma ngabe ngabe yiliphi iqembu liphula isivumelwano, ngaphezu kokuthi lizophinda libe namandla okuthi ngaphezu kwemali ekhokhelwe, ukugcwaliseka kwenkontileka kungabuye kufunwe ngokuhamba kwesikhathi.
Imvamisa, inketho esetshenziswa kakhulu ngabameli nongoti kule ndaba idiphozi yokuphenduka, ngoba ngalokhu ukuthembeka okukhulu kunkontileka kuyaqinisekiswa ngoba inani elizolahleka ngokungahambisani nesivumelwano empeleni lingabaluleka impela, ukuze umuntu uzokwenza kahle ukuhlehla uma sekusungulwe inkontileka yemali ehlawulisayo.
Izidingo Zenkontileka ka-Arras
Okwabo bonke abanentshisekelo ku- setha inkontileka yediphozi, ungathembela kumadokhumende alandelayo nezidingo ezidingekayo ukuze kubhalwe inkontileka, imininingwane emincane kanye nemininingwane ejwayelekile okumele ihlangatshezwe ukucela ukusayinwa kwenye yalezi zinkontileka ukuze kulondolozwe ukuthengwa kwekhaya noma impahla yakho yesikhathi esizayo.
Kufanele kushiwo ukuthi le yimininingwane eyisisekelo okufanele ibhekwe kepha into ebaluleke kakhulu ukuya kummeli ukuze inkontileka ibhalwe kahle ngangokunokwenzeka futhi kungabi khona ukuphazamiseka okuba khona uma isebenza ngokusemthethweni.
- Idatha yomuntu siqu yomthengi nomthengisi, nemibhalo yabo kamazisi ehambisanayo.
- Incazelo yekhaya.
- Intengo yokugcina ozothenga ngayo ikhaya.
- Inani lemali okufanele likhokhwe njengemali ekhokhwa phansi, okucacisa ngokusobala ukuthi leyo mali ishiwo ukuthenga nokuthengiswa kwempahla nokuthi izodonswa entengo yokugcina yendlu ngesikhathi sokusayina itayitela. Futhi khumbula ukuthi uma indlu isanda kwakhiwa, leli nani kuzofanele likhokhiswe intela nge-10% VAT.
- Isikhathi esiphezulu sokwenza ukuthengisa kube semthethweni.
- Izindleko zempahla engaba khona.
- Ukusatshalaliswa kwezindleko zokuthenga nezokuthengisa.
Isiphetho
Ngaphandle kokungabaza indlela engcono yokuqinisekisa ukuthengwa kwekhaya lethu, ukuzazisa ngangokunokwenzeka ngazo zonke izindlela ezisemthethweni esinazo ukuqinisekisa ukuthi asinazo izinkinga ngokuzayo, futhi enye yalezi zinketho, esenqatshelwe ukuzishaya indiva, yizivumelwano zokufaka imali, okuyiqiniso, kungathandeka ukungayisebenzisi, kepha uma kwenzeka kunjalo, singakuthokozela ukunakekelwa kwesinye salezi zinsimbi.